Kane County property record for 314 S 4th St, Saint Charles, IL 60174
| Property Type | Single Family Home |
|---|---|
| Details | 4 bd · 3 ba · 1,966 sqft · built 1850 |
| Lot Size | 0.96 acres (4,200 sqft) |
| Owner | 2 Individual Names on File |
| Last Sale | $270,000 (Sep 2006) |
| Tax Bill | $7,940 (2025) |
| Deeds & Mortgages | Apr 2021 Mortgage |
| Flood Zone | Zone X (minimal risk) |
| APN | 09-34-118-006 |
| Primary APN | 09-34-118-006 |
|---|
| Bedrooms | 4 Beds |
|---|---|
| Full Baths | 3 Baths |
| Total Rooms | 9 Rooms |
| Stories | 2 Stories |
| Building Area | 1,966 sqft Living Area |
| Basement Area | 452 sqft |
| Year Built | Built 1850 |
|---|---|
| Effective Year Built | Effective 1969 |
| Exterior Material | Brick |
| Foundation Type | Stone |
| Roof Type | Gable |
| Roof Material | Asphalt |
| Lot Area | 4,200 sqft (0.96 acres) |
| Porch | Open Porch |
| Deck Area | Deck Area |
| Heating System | Forced Air with A/C |
|---|---|
| Heating Fuel | Gas |
| Street Address | 314 S 4TH ST |
|---|---|
| City | SAINT CHARLES |
| State | IL |
| Zip | 60174-2771 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | MAP AREA: 171-CONVAPARTMENTS |
| Legal Subdivision | MOODYS ADD |
| Legal Block | 2 |
| Legal Lot Number | 3 |
| Jurisdiction | KANE IL |
| Township / Civil Division | ST. CHARLES |
| Census Block Group | 2 |
| Census Block | 2035 |
| Census Tract | 852300 |
314 S 4th St is owned by two individuals who bought it in September 2006.
Source: Kane County records, as of July 23, 2026
| Owner of Record | 2 Individual Names on File |
|---|---|
| Mailing Address | 2873 STUART KAPLAN CT, AURORA, IL 60503-5774 |
| Owner Type | Individual |
| Vesting | Joint Tenants |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Deed Names | 2 Names on Deed |
|---|---|
| Last Sale | Sep 5, 2006 · Amount on File |
| Deed Sale | Sep 5, 2006 · Amount on File |
| Prior Sale | Apr 1, 2005 · Amount on File |
| Deed Document Number | 200696966 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | KANE IL |
| Property Address | 314 S 4TH ST, ST CHARLES, IL 60174-2771 |
| Transaction Type | Mortgage |
| Record Updated | Apr 30, 2021 |
| Title Company | NORTH AMERICAN TITLE COMPANY |
| Name | Verified Name |
|---|
| Document Number | 0000030948 |
|---|---|
| Date | Apr 20, 2021 |
| Instrument | 2021K030948 |
| Name | CROSSCOUNTRY MORTGAGE LLC |
|---|---|
| Type | Mortgage Company |
| Address | BRECKSVILLE, OH 44141 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | May 1, 2051 |
| Rate Type | Fixed Rate |
|---|---|
| Rate | 3.87% |
The 2025 property tax bill for 314 S 4th St was $7,940.
Source: Kane County assessment roll, as of July 23, 2026
| Type | Name |
|---|---|
| State | Illinois |
| County | Kane County |
| County Subdivision | St. Charles Township |
| Municipality | St. Charles City |
| Unified School District | St. Charles Community Unit School District 303 (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $7,940.00 | $113,217 (+8.53%) Land $38,396 Building $74,821 | $339,787 (+8.53%) Land $115,234 Building $224,553 |
| 2024 | $104,318 Land $35,378 Building $68,940 | $313,079 Land $106,176 Building $206,903 | |
| 2022 | $7,311.00 (+3.85%) | $90,558 (+4.91%) Land $31,728 Building $58,830 | $271,674 (+4.91%) Land $95,184 Building $176,490 |
| 2021 | $7,040.00 | $86,320 Land $30,243 Building $56,077 | $258,960 Land $90,729 Building $168,231 |
Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.
FEMA maps place 314 S 4th St in Zone X, an area of minimal flood risk.
Source: FEMA National Flood Hazard Layer, effective October 8, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Flood Insurance Cost | Premium on File median of 10 policies |
| Community Rating System | Class 5 (25% premium discount) |
| Nearby Flood Policies | 10 in force |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
The area around 314 S 4th St has no burnable land within ember reach, so its wildfire risk is not rated.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Not rated no burnable land within ember reach |
|---|
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ST CHARLES serves 33,081 people · EPA ID IL0894830 |
|---|---|
| Water Source | Groundwater |
| Last State Inspection | Oct 2022 |
| Lead | 4 ppb (2026) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.
Source: FCC Broadband Data Collection, based on 494 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Metronet Fiber | 5,120 / 5,120 |
| Xfinity Cable | 2,000 / 250 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
| AT&T DSL · Fixed Wireless in parts of the area | 100 / 20 |
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